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Vetta Credit Card

Vetta Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Mid

Annual Fee

₹2999

Base Rate

2.0%

Reward Type

Points

Overview

The Vetta Credit Card is a Mid credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹2,999
Eligibility: Indian resident, age 21-60, with a stable source of income.

Reward Rates & Cashback Rules

  • CATEGORY – Grocery: 4.0% cashback
  • CATEGORY – Departmental Stores: 4.0% cashback
  • CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 points per transaction.
  • CATEGORY – Telecom: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 points per transaction.
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points are earned on rent payments.
  • CATEGORY – Education: 0.0% cashback ⚠️ No reward points are earned on educational institution fees.
  • CATEGORY – Government Services: 0.0% cashback ⚠️ No reward points are earned on government payments.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points are earned on EMI transactions.
  • CATEGORY – Transportation: 0.0% cashback ⚠️ Reward point accrual on Transportation MCCs will be discontinued effective April 10, 2026.

Key Features & Benefits

  • Domestic Lounge Access ✈️: 1 complimentary domestic airport lounge visit per quarter. Note: From April 10, 2026, this is subject to a minimum spend of ₹50,000 in the previous calendar quarter.
  • International Lounge Access 🌍: 1 complimentary international airport lounge visit per quarter via Priority Pass.
  • Railway Lounge Access 🚆: 2 complimentary railway lounge visits per quarter at select stations in India.
  • Quarterly Milestone Benefit 🏆: Get 500 bonus Reward Points on spending ₹50,000 and an additional 1,000 bonus points on reaching spends of ₹1 Lakh in a calendar quarter.
  • Annual Milestone Voucher 🎁: Get ₹1,000 worth of vouchers on spending ₹2.5 Lakh in a card anniversary year.
  • Birthday Bonus 🎂: Get 1,000 bonus reward points for completing one retail transaction on your birthday.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle.
  • Air Accident Cover 🛡️: Complimentary air accident insurance cover of up to ₹50 Lakh.

Eligibility Criteria

Indian resident, age 21-60, with a stable source of income.

Features & Benefits

✈️

Domestic Lounge Access

1 complimentary domestic airport lounge visit per quarter. Note: From April 10, 2026, this is subject to a minimum spend of ₹50,000 in the previous calendar quarter.

🌍

International Lounge Access

1 complimentary international airport lounge visit per quarter via Priority Pass.

🚆

Railway Lounge Access

2 complimentary railway lounge visits per quarter at select stations in India.

🏆

Quarterly Milestone Benefit

Get 500 bonus Reward Points on spending ₹50,000 and an additional 1,000 bonus points on reaching spends of ₹1 Lakh in a calendar quarter.

🎁

Annual Milestone Voucher

Get ₹1,000 worth of vouchers on spending ₹2.5 Lakh in a card anniversary year.

🎂

Birthday Bonus

Get 1,000 bonus reward points for completing one retail transaction on your birthday.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle.

🛡️

Air Accident Cover

Complimentary air accident insurance cover of up to ₹50 Lakh.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Grocery
Reward: 4.0%
4%
Departmental Stores
Reward: 4.0%
4%
Utilities
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 points per transaction.
1%
Telecom
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 points per transaction.
1%
Insurance
Reward: 1.0%
1%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.
Rent Exclusion
⚠️ Exceptions: No reward points are earned on rent payments.
Education Exclusion
⚠️ Exceptions: No reward points are earned on educational institution fees.
Government Services Exclusion
⚠️ Exceptions: No reward points are earned on government payments.
EMI Exclusion
⚠️ Exceptions: No reward points are earned on EMI transactions.
Transportation Exclusion
⚠️ Exceptions: Reward point accrual on Transportation MCCs will be discontinued effective April 10, 2026.

Value Chart

Assuming basic spends for Vetta Credit Card

Category Vetta Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹2999 ₹0 ₹0 ₹0
₹
Annual Fee 		₹2999
Joining fee waived on spending ₹40,000 in first 90 days. Annual fee waived on spending ₹1.5 Lakh in the previous year.
 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 5.0% 5.0% 2.67%
★
Known Rules 		11 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Grocery — 4.0% Points
  • + Departmental Stores — 4.0% Points
  • + Utilities — 1.0% Points
  • + Telecom — 1.0% Points
  • + Insurance — 1.0% Points
  • + Domestic Lounge Access
  • + International Lounge Access
  • + Railway Lounge Access
  • + Quarterly Milestone Benefit
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • − No reward on Rent — No reward points are earned on rent payments.
  • − No reward on Education — No reward points are earned on educational institution fees.
  • − No reward on Government Services — No reward points are earned on government payments.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹2999

Net Value

+₹3001

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 4 Reward Points per ₹100 on Grocery & Departmental stores, 2 points per ₹100 on other retail spends, and 1 point per ₹100 on Utilities and Insurance. No points are given for fuel, rent, or EMI transactions.

The redemption value is 1 Reward Point = ₹0.25. Points can be redeemed for e-vouchers, merchandise, and travel bookings through the AU Rewardz portal.

The annual fee of ₹2,999 is waived if you spend ₹1.5 Lakh or more in the preceding card anniversary year. The joining fee is waived on spending ₹40,000 within the first 90 days.

The card offers 1 complimentary domestic airport lounge visit, 1 complimentary international lounge visit (via Priority Pass), and 2 complimentary railway lounge visits per quarter.

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